Top of main content
A young Asian woman using phone with smile; image used for HSBC Singapore Spend smarter.

Spend smarter

Find out how you can be a savvy spender and stretch your dollar further

Spend smarter to get more bang for your buck

If we told you that spending doesn't just mean money flowing out of your pocket and that it's possible to stretch the value of every dollar you spend, would you believe us?

The key to getting even more mileage out of your dollar lies in spending wiser, not in spending less. Get money management tips and find out how we can help you manage your money - and your spending - optimally.

Spend smarter, spend savvier

Romantic couples in the living room.

Don't miss out on all the cashback and privileges your spending can bring

  • Get up to 3.5% in cashback1 on all purchases from the very first dollar you spend with the HSBC Advance Credit Card
  • Forget the fuss of meeting a minimum spending amount, or using multiple credit cards for different spending categories
  • Get more value for every dollar with over 1,000 complimentary 1-for-1 dining, lifestyle and hotel offers with the ENTERTAINER with HSBC app, as well as other exclusive promotions

Pay like a local when you spend in foreign currencies and stretch every dollar in your budget

  • Convert and transact in 10 currencies with no hidden fees with the HSBC Everyday Global Debit Card
  • Get real-time exchange rates before you make a funds transfer using the HSBC Singapore app
  • And there's no need to worry even if you converted more money than you wound up using. Nothing goes to waste - any unused foreign currencies will remain in your HSBC Everyday Global Account for the next time you need it. Or you can simply convert them back to SGD.
  • Enjoy greater convenience by paying for your daily purchases with the HSBC Everyday Global Debit Card, with Apple Pay, Visa payWave and NETS Contactless
A woman looking at the phone
A person counting coins on wooden table

Boost your savings plan and unlock bonus interest on your savings as you spend

  • Kill two birds with one stone by letting your spending help grow your savings and elevate your savings plan to the next level
  • Earn up to 3.00% p.a. bonus interest on your SGD savings when you save, convert and spend with the HSBC Everyday Global Account

Stay on top of your finances with our handy tools

  • Spending wiser also means making sure you know exactly where your money is going. We make it easy for you to keep track of your accounts and credit cards with the HSBC Singapore app.
  • Move money and make payments conveniently using PayNow and FAST - you've got options!
  • You'll have the option of flexibility with your credit card payments: pay your bill via monthly instalments, leaving you more cash on hand to do the things you want
Two women sitting on sofa and using mobile and laptop.

Spend smarter and give your savings a boost

Get up to 3.00% p.a. in bonus interest on your SGD savings as an HSBC Advance or Personal Banking customer

Want to make your money work harder for you even as you're spending?

Then the HSBC Everyday Global Account is just the thing for you, where it's not just the act of saving that will earn you bonus interest. You can earn up to 3.00% p.a. in bonus interest on your SGD savings when you spend, make currency conversions and save with us. We don't call it an all-in-one account for nothing!

Check out how it works:
Spend
Convert
Save

0.80% p.a.


Bonus interest when you spend a minimum of SGD800 with your HSBC Everyday Global Debit Card

0.90% p.a.


Bonus interest when you convert a minimum of SGD5,000 to foreign currencies

1.30% p.a.


Bonus interest when you top up your account

Check out how it works:
Spend

0.80% p.a.


Bonus interest when you spend a minimum of SGD800 with your HSBC Everyday Global Debit Card

Convert

0.90% p.a.


Bonus interest when you convert a minimum of SGD5,000 to foreign currencies

Save

1.30% p.a.


Bonus interest when you top up your account

HBSC Everyday Global Account Step Up Bonus Interest Promotion terms and conditions for new and existing customers apply.

Get a head start with these great privileges

Start your journey with us today and enjoy these rewards.
Promotion
Reward
HSBC Everyday Global Account Rewards2

SGD50 cash credit if you: 

  • Make a recurring deposit of at least SGD3,500 per month for 3 consecutive months 

OR 

  • Maintain a Total Relationship Balance of at least SGD10,000 for 3 months 

HSBC Advance Credit Card sign-up gift3

Receive a sign-up gift worth up to SGD670

  • Choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) or SGD150 cashback, exclusively for new HSBC credit cardholders
  • Existing HSBC credit cardholders will be eligible to receive SGD30 cashback
  • To qualify for the gift, a minimum spending of SGD800 within the qualifying spend period is required
Start your journey with us today and enjoy these rewards.
Promotion
HSBC Everyday Global Account Rewards2
Reward

SGD50 cash credit if you: 

  • Make a recurring deposit of at least SGD3,500 per month for 3 consecutive months 

OR 

  • Maintain a Total Relationship Balance of at least SGD10,000 for 3 months 
Promotion

HSBC Advance Credit Card sign-up gift3

Reward

Receive a sign-up gift worth up to SGD670

  • Choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) or SGD150 cashback, exclusively for new HSBC credit cardholders
  • Existing HSBC credit cardholders will be eligible to receive SGD30 cashback
  • To qualify for the gift, a minimum spending of SGD800 within the qualifying spend period is required

Shoot straight for those goals of yours

A woman paying at the store; image used for HSBC Singapore The ultimate Advance cashback card.
 

Want to get cashback for your spending, starting from the first dollar? Here's how.

A group of friends using mobile; image used for HSBC Singapore  Make fast  easy payments with PayNow.
 

Here's how you can make fuss-free payments with PayNow.

A couple using laptop; image used for HSBC Singapore Benefits of online banking.
 

Find out how you can stay safe from COVID-19 and manage your accounts or move money from home.

Ready to start spending smarter?

We'll help you stretch your dollar as you spend.

Leave us your contact details and we'll be in touch with you within 3 working days.

Terms and conditions

1Spend exclusions apply. For Eligible Cardholders with an HSBC Advance banking Relationship, Bonus Cash back (of 0.03%) will be applied on Eligible Purchases above SGD3,571. For Eligible Cardholders without an HSBC Advance banking Relationship, Bonus Cash back (of 0.03%)will be applied on Eligible Purchases above SGD2,800. Read the full terms and conditions.

2Eligible for new HSBC deposit or savings account customers. Customers who participate in HSBC Jade or Premier Welcome Reward Promotions will not be eligible. Terms and conditions apply.

3Terms and conditions apply.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.